Bad Credit credit cards

With bad credit (score 549 and lower), Your credit card choices are limited. Most credit card companies won’t provide a credit line without a deposit and virtually all credit cards are going to charge monthly fees. Good News: if used responsibly, these cards might be the best start to establishing or rebuilding your credit.

Applied Bank® Secured Visa® Gold Preferred® Credit Card
Rates Fees Credit Needed
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Annual Fee Bad Credit
N/A 9.99% N/A N/A N/A $48
Applied Bank® Secured Visa® Gold Preferred® Credit Cardapply for Applied Bank® Secured Visa® Gold Preferred® Credit Card
  • Better than Prepaid…Go with a Secured Card! Load One Time – Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

UNITY® Visa Secured Credit Card
Rates Fees Credit Needed
Balance Transfers Intro APR APR Cash Adv. Rate Cash Adv. Fee Late Fee Annual Fee Bad Credit
9.95% for 6 months 17.99% (Fixed) N/A N/A N/A $39
UNITY® Visa Secured Credit Cardapply for UNITY® Visa Secured Credit Card
  • Unlike your Prepaid Card, UNITY Visa secured card can help you build your credit. Apply online in less than 5 minutes, and you could be approved today!
  • No Minimum Credit Score required; low fixed interest rate of 17.99%; Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
  • No application fee or penalty rate
  • Monthly reporting to all 3 major credit bureaus
  • 24/7 online access to your account
  • *See the Cardholder Agreement for more details.
  • See additional UNITY® Visa Secured Credit Card details

primor® Secured Visa® Gold Card
Rates Fees Credit Needed
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Annual Fee Bad Credit/No Credit
N/A 9.99% N/A N/A N/A $49
primor® Secured Visa® Gold Cardapply for primor® Secured Visa® Gold Card
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases – with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional primor® Secured Mastercard® Gold Card details

AccountNow® Prepaid Visa® Card
Rates Fees Credit Needed
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Monthly Fee Bad credit
N/A N/A N/A N/A N/A See terms
AccountNow® Prepaid Visa® Card
apply for AccountNow® Prepaid Visa® Card

Horizon Gold Credit Card
Rates Fees Credit Needed
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Yearly Fee Bad Credit
N/A 0.00% N/A N/A N/A $24.95 benefits plan membership
will be auto-debited monthly
Horizon Gold Credit Cardapply for Horizon Gold Credit Card
  • Reports to major credit bureau
  • Fast online approval
  • Unsecured credit limit
  • No credit check
  • No employment check
  • $500 initial credit line
  • 0% APR

Luxe Signature Card
Rates Fees Credit Needed
Intro Rate APR Cash Adv. Rate Cash Adv. Fee Late Fee Yearly Fee Bad Credit
N/A N/A N/A N/A N/A $0
Luxe Signature Card
apply for Deluxe Signature card
  • 0% Interest for Members!
  • The Power to Purchase!